01
The loan book
Interest-only, principal plus interest, flat or reducing balance. Schedules generate themselves, arrears age into 30/60/90 buckets, and part payments, early settlement and restructuring are all handled.
Loan management · Malaysia
Your loan book,
off the spreadsheet.
Jurupinjam holds the whole operation in one place — borrowers, loans, agents, payments and Schedule J agreements. Arrears calculate themselves. Agents see only their own book. Every entry is signed and dated.
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Reviewed and approved before activation
Collection sheet
Today
| Borrower | Next due | Outstanding | Arrears |
|---|---|---|---|
| Surinder A/L M. | 12 Aug | 10,000.00 | — |
| Nurul Ain binti H. | 14 Aug | 6,500.00 | — |
| Christopher T. | 04 Aug | 5,000.00 | 250.00 |
| Manimala D. | 18 Aug | 5,000.00 | — |
| Addy bin Rahman | 04 Aug | 3,000.00 | 150.00 |
8 active loans
Out: RM 47,000.00
The problem
A spreadsheet does
not tell you it is wrong.
One file, one laptop, one person who understands the formulas. Arrears are worked out by hand at month end, which is the last moment you want to discover them.
Agents ring to ask what a borrower owes. Agreements are retyped from scratch each time. And when a figure is disputed, there is no record of who entered it or when.
None of this is carelessness. It is what happens when a book outgrows the tool holding it.
What it does
Six things, done properly.
02
Collection sheets
Each agent opens the app and sees who is due today, how much, and how far behind. Payments are recorded on the spot and the balance updates immediately.
03
Schedule J agreements
Filled from the loan you just created, with your company name, licence number and address. Check it, sign it, and it stores against the borrower's file permanently.
04
Agent commission
Calculated against what is actually collected, visible to the agent as it builds. No month-end reconciliation, no arguments about the figure.
05
Audit trail
Every record shows who created it, who changed it and when. Nothing is deleted silently. If a figure is ever questioned, the history answers it.
06
Portfolio view
Capital deployed against capital recovered, collection rate by agent, and cash expected over the coming months — drawn from the schedules, not estimated.
Moving across
Bring the spreadsheet.
We will read it.
Nobody retypes three hundred borrowers to try a new system. Upload the file you already keep — we work out which column is which, show you what we found, and flag anything that looks wrong before a single record is saved.
Your file
Name | Amt | Int | Start | Notes
Surinder | 10000 | 5% | 3/1/26 | paid
surinder a/l m | — | 0.05 | Jan 26 | dup?
TOTAL — 47000
Surinder | 10000 | 5% | 3/1/26 | paid
surinder a/l m | — | 0.05 | Jan 26 | dup?
After mapping
BorrowerSurinder A/L M.
PrincipalRM 10,000.00
Rate5.00% / month
Drawdown03 Jan 2026
Flagged1 possible duplicate
PrincipalRM 10,000.00
Rate5.00% / month
Drawdown03 Jan 2026
Flagged1 possible duplicate
Every import can be reversed in one step. Above a few hundred loans, send us the file and we will do it for you.
Who sees what
Access follows the role.
Company admin
Full control of your book. Adds agents, records payments, approves agreements, sees every figure and every change.
Agent
Only the borrowers assigned to them. Can add borrowers and draft loans; cannot record payments, settle loans or delete records.
Borrower
Their own balance, schedule and receipts. Nothing else, and no access to anyone else's file.
Jurupinjam
We see that your account exists and how much of it you are using. Your borrower and loan records are yours.
On the roadmap
Being built next.
Listed here because they are planned, not because they are ready. Nothing below is available yet.
Tax-ready reports
Interest income by month, principal movement, bad debt provisioning and commission expense — in the form your accountant asks for at year end. Exports as a journal file your existing accounting software can read.
WhatsApp reminders
Sent before a payment falls due, and again when it is missed. Receipts delivered the same way.
Borrower access
A link where a borrower checks their own balance, schedule and receipts, instead of calling the agent to ask.
Offline collection
Agents record payments on the phone without signal, syncing when they are back in coverage.
Pricing
Priced on the size of your book.
Starter
Up to 100 borrowers · 3 users · no agents
RM 99per month
Professional
Up to 500 borrowers · 3 users · 10 agents · audit trail and compliance reports
RM 299per month
Enterprise
Unlimited borrowers, users and agents · API access · assisted migration
RM 599per month
Billed monthly, cancel any time. Your data exports in full whenever you ask for it.
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Tell us about
your operation.
Accounts are reviewed before they are activated. We will come back to you within two working days, and we will ask to see your lending licence where one applies.
We approve each account by hand. It is slower than a sign-up button, and it is the reason lenders are willing to put their book in here.
Your details go straight to us. No mailing list.